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AHazard risk
Natural hazards in Hanover Township · FEMA

Less hazard damage per building is expected in Hanover Township than in 87% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Hanover Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 3 claims here since 2008.

River and rain flooding 90%Tornadoes 4%Strong wind 4%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

less than 87%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Michigan · lower than 87% of U.S. towns
Main hazard
River and rain flooding
90% of expected building damage
Flood claims
3
paid since 2008 · $355K
Flood claims per home
4 per 1,000
more than 56% of U.S. towns
By hazard

What Hanover Township faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

90%of expected building damage
About average · lower than 59% of U.S. census tracts
Recorded about once every 3 years in the area
Smaller shares here
 Tornadoes Strong wind Hail Wildfire Earthquakes Winter storms Ice storms Lightning Hurricanes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 25% of Hanover Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Hanover Township’s grade

River and rain flooding is 90% of the building damage FEMA expects in Hanover Township, and Hanover Township’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts.

Where Hanover Township sits
Hanover Township
Least damageMiddleMost damage

A lower expected damage per building than 87% of U.S. towns (21,298).

All of Hanover Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding90%Tornadoes4%Strong wind4%Everything else3%

In dollars, FEMA expects about $471K a year in losses across Hanover Township: $292K to buildings, the rest to people and crops.

Shared tract.All of Hanover Township’s 1,698 residents (2020 census) live in one census tract, which it shares with Wexford township (1,161 residents) and Buckley village (775 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Hanover Township flood? Rarely: 3 flood claims since 2008

Every paid claim on a federal flood insurance policy in Hanover Township, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2008: 1 claim2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 2 claims20082026
20082026
Biggest named events
  • The 2026-04-Flooding2 claims · $354K
3
paid claims since 2008
$355K
paid to owners
0
homes flooded more than once
$118K
average claim
of all homes are insured
No community discount

Hanover Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Wexford County.
Disasters

The storms Hanover Township remembers

None of the 4 disasters declared for Wexford County shows FEMA aid or repair money reaching Hanover Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20262 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Wexford County
  2. 20081 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Wexford County
Disasters declared, by decade
Paid out in Hanover TownshipWexford County only

Wexford County has had 4 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Hanover Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Hanover Township archive →
Next door

Hanover Township and its neighbors

Hanover Township is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Greenwood Township: not gradedMayfield Township: hazard risk A+Antioch Township: not gradedWexford Township: hazard risk AGreenwood TownshipMayfield TownshipAntioch TownshipWexford TownshipHanover Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Mayfield TownshipA+less damage than 98%river and rain flooding1
Wexford TownshipAless damage than 87%river and rain flooding—
Hanover TownshipAless damage than 87%river and rain flooding3
Greenwood Township—830 residents; we grade 1,000+
Antioch Township—931 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Hanover Township faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Hanover Township

Is Hanover Township at risk for natural disasters?

On FEMA’s National Risk Index, Hanover Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (90%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Hanover Township flood?

Flood insurance has paid 3 claims in Hanover Township since 2008, $355K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. The most claims came from 2026-04-Flooding (2).

Is Hanover Township in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Wexford County, 0.2% of all homes carry federal flood insurance.

How much is flood insurance in Hanover Township?

FEMA’s Community Rating System list shows no discount for Hanover Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Hanover Township?

By flood claims, 2026-04-Flooding: 2 paid, $354K.

Is Hanover Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (90%), and Hanover Township’s rate for it is lower than 59% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hanover Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hanover Township’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.